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Grange Car Insurance

Smart Score

73

Industry Average: 75

Smart Score

73
/100

Industry Average: 75

Customer Service

7.3
/10

Industry Average: 7.7

Claims Process

7.1
/10

Industry Average: 8

Value for Price

7
/10

Industry Average: 7

Grange Overview

Grange Insurance was first formed 80 years ago to provide affordable car insurance for a specific group - grange members (known nationally as the National Grange Patrons of the Husbandry). It is a mutual insurance company, meaning that its policyholders jointly own the company. They are serving customers across 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. Grange Insurance sells exclusively through independent agents, which also means that your experience will depend on the agency you are working with, and it is great for customers who want to get lots of different types of insurance from one company, as they provide auto insurance, life insurance, homeowners insurance, and even business insurance.

Lines of Business:

Grange Ratings Breakdown

Smart Score

73

Grange: 73
Industry Average: 75
Grange: 73
Industry Average: 75

Why our Smart Score matters

Grange’s Smart Score of 73 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Grange’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 73, Grange sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.3

Grange: 7.3
Industry Average: 7.7
Grange: 7.3
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Grange’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Grange’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Grange’s service score of 7.3, they have a weak rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6.4 and 8.2. With those narrow bounds, we’re confident about the accuracy of their 7.3 rating.

Claims Process

7.1

Grange: 7.1
Industry Average: 8
Grange: 7.1
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Grange. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Grange handles it.


Grange’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Grange.


What does this mean for you?

Evident from a claims score of 7.1, Grange has a less stellar rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources vary a lot. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 4.9 and 9.3. With those wide bounds, we’re only mildly confident about the accuracy of their 7.1 rating.

Value for Price

7

Grange: 7
Industry Average: 7
Grange: 7
Industry Average: 7

Grange’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Grange comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Grange’s value for price score of 7 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 5.8 and 8.2. With those moderate bounds, we’re pretty confident about the accuracy of their rating.

Grange Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Grange has than average. With an index of 0.6 Grange is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Grange has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Grange has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.6 Grange is better than average.

Customer Reviews

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0 Reviews

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100%

of customers would reccomend this company to a friend

1 customer reviews

Joe Smith

Auto Customer

I think that I was able to get a good deal with my insurance because I took my time looking for the best rates available in my area. I contacted many different companies and providers and am confident that I am saving a lot of money. The service I receive is great and they do a good job for what I need.

Price Value: 4

Claim Satisfaction: 4

Customer Service: 4

Recommend: yes

Did you find this review helpful?

Grange Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Grange

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Original Equipment Manufacturer Coverage

Helps ensure aftermarket parts will not be used when repairs are made to your vehicle

Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

Pet Coverage

If your pet is injured in an accident, this insurance will cover their expenses.

Umbrella Policy

Liability insurance that covers the excess portions of claims not covered by your other insurance policies.

Grange availability in these states

Grange Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Grange has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

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How does Grange compare to other insurance companies? Click the following links below to compare Grange to other top insurance companies.

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